Debt doesn’t usually stack because of one bad decision. It stacks because each decision makes sense in isolation. The payment fits. The timing feels reasonable. You’ve thought it through. What most people don’t realize is that you’re not just deciding on this moment — you’re deciding how much of your future income is already spoken for. And when life shifts (because it always does), those past decisions don’t adjust with you. That’s how debt stacks quietly. Not through recklessness. Not through
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